Credit Card Question & Answer

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Credit Card Applications » Questions » User Questions » Travel with Credit Cards » I am heading to Europe soon for a few weeks. Someone told me to be sure to request a ...

I am heading to Europe soon for a few weeks. Someone told me to be sure to request a “chip and PIN” credit card. What is that? And is there anything else I need to do?

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Leo Zhu

Chip and PIN technology is considered to be more secure and is widely used in Europe. The credit card comes with an embedded chip and a PIN number. You may have problems using credit cards with magnetic strip technology in Europe as most countries there have made the conversion to the newer chip technology.
If you have a credit card already, you can call your card issuer and ask if they can send you a chip and PIN card. Also, do not forget to notify your bank that you are going abroad or the bank may reject your transactions from overseas and place a hold on your account if they suspect fraud. And be aware of the foreign transaction fee. Most banks charge 3% on average for every transaction. If you are applying for a new card, make sure it has no foreign transaction fee as well as chip and PIN technology.

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